Kallis that is ok, i was in mixed minds about the credit card myself, but i thought that if i wanted to get a mortgage of some sort in the future then i need to try and improve the credit rating a bit. You can trust me though, the credit card won't be forever, only until i feel that the credit ratin...

Thanks everyone for the nice replies! I chose to get the Capitol One Classic card as i thought it would be a good credit score builder; the £100 limit is perfect as i will only use the card to top-up my mobile phone once a month and then just pay off the balance when i get paid. I can't really descr...

I made my final payment on my IVA last week and my IP today has confirmed that the payment has cleared and told me to cancel the standing order!! What a relief!! I asked the nice lady on the phone today if it would be ok to apply for credit again, she said i could have a go but i might not be accept...

I would rather burn coal and use candles for lighting than go with British Gas!

I'm not being judgemental but its a bit unfair on the bloke to say that he has benefited from the debts when he didn't know about them in the first place, but once his raw emotions have passed i'm sure he will come round and stand by you.

New Halifax Overdraft Fees I received a letter today from the Halifax stating that my High Interest Current Account will now be changing to the Halifax Current Account. In the new changes it states that the below fees for overdrafts are coming into force in December. * Arranged overdraft up to £2,50...

Skint I think i was with Halifax for about 2 years before they strongly advised that i change my account. All that i know about my IVA is that i am paying back 40% of what i owe, my payments have gone up twice over the past 4 years due to small pay rises. Pagan dave just a quick question - how long ...

I phoned my IP this morning and the lady on the phone said that there are no modifications on my IVA and that my agreed proposal was for my monthly payments only, and nothing has been equired from them when i sent them my final income review. I have always informed them of pay rises or small bonuses...

Melanie I did phone to notify them of the bonus that i was going to get and my case officer told me it is ok to keep it as there were no modifications on my IVA; i don't know if my case officer was wrong or not telling me that? Not wishing to put a dampner on things - but exactly how is your IP avoi...

Skippy Her's indoors has got Christmas planned already! [:D] We are looking at moving to the Lake District in the not too distant future, so we are going to save every penny to do it! I think when you have been paying the same amount every month for 5 years, you sort of don't miss the money and get ...

Thanks for the advice guys! I have been really lucky to have had a great IP, as they managed at the time to get no amendments put into my proposal. I am really looking forward to it all finishing; i have been in some sort of debt since i was 21, and it will be like a new life for me, a very grand be...

Apologies if i haven't posted for a while! I am in a bit of a panic with regards to my IVA; I joined the Halifax when my IVA started and requested a Halifax Electron Card account, a couple of years after opening the account they told me that i had to have it upgraded to a Halifax Visa Debit Current ...

Hi I am almost into my 4th year of my IVA and it is the time of the year again to fill out my expenditure sheet. I currently live with my girlfriend in her house who has no debts whatsoever and is not linked financially to any of my debts. On my expenditure form that i have to complete, my girlfrien...